Prime Rate

Current Rate: 3.250%

Effective: Jan 1, 2015

The Prime Rate is the rate of interest charged by financial
institutions to their most creditworthy applicants. The
rate is usually very consistent among institutions and adjustments are most
often around the same time. However the prime rate does not change on any
regular interval.

APY could vary depending
on balance attained and length of deposit at this level.

Truth In Savings

SHARE ACCOUNT

As of the last dividend declaration date, the dividend rate was .10%
with an annual percentage yield (APY) of .10% on your account. The dividend
rate and annual percentage yield (APY) on this account may change every quarter
as determined by our board of directors.

CLUB ACCOUNT

As of the last dividend declaration date, the dividend rate was .10%
with an annual percentage yield (APY) of .10% on your account. The dividend
rate and annual percentage yield (APY) on this account may change every quarter
as determined by our board of directors.

CHRISTMAS CLUB ACCOUNT

As of the last dividend declaration date, the dividend rate was .10%
with an annual percentage yield (APY) of .10% on your account. The dividend
rate and annual percentage yield (APY) on this account may change every year
as determined by our board of directors.

IRA ACCOUNT

The interest rate on your deposit account is .20% with an annual percentage
yield (APY) of .20% . For purposes of this disclosure, this is a rate and
APY that were offered within the most recent seven calendar days and were
accurate as of 04/01/2009 . Please call 248-625-2923 to obtain current rate
information. The interest rate and annual percentage yield (APY) may change
every quarter based on the determination of the credit union board of directors.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.